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Head-to-head · Mobile Payment Apps

PhonePe vs GrabPay

  • Updated Oct 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score PhonePe #1 in Mobile Payment Apps 9.4/10 Free plan Free plan✓ 0 of 5 features Visit PhonePe
GrabPay #8 in Mobile Payment Apps 8.6/10 Free plan Free plan✓ 0 of 5 features Visit GrabPay

PhonePe leads on 0 checks, GrabPay on 0, and 2 are even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scorePhonePe · 9.4/10
  • Free planboth

PhonePe scores higher on our rubric for mobile payment apps: 9.4 against 8.6 out of 10; our editors rank them #1 and #8.

PhonePe is the better fit for broad everyday UPI payments in India. GrabPay is the better fit for integrated wallet payments in Southeast Asia.

  • PhonePe fits best

    Broad everyday UPI payments in India

  • GrabPay fits best

    Integrated wallet payments in Southeast Asia

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Side by side

Feature PhonePe 9.4/10 Visit ↗ GrabPay 8.6/10 Visit ↗
At a glance
Editor score 9.4 8.6
Ranking #1 in Mobile Payment Apps #8 in Mobile Payment Apps
Best for Broad everyday UPI payments in India Integrated wallet payments in Southeast Asia
Pricing model Free Free
Starting price Free plan Free plan
Free plan ✓ ✓
Free trial — —
Deployment Mobile Mobile
Platforms iOS, Android iOS, Android
Support Email, Phone, Tickets Phone, Docs
Built for Solo, Small business Solo
Features PhonePe 0/5 · GrabPay 0/5
In-store payments Not checked yet Not checked yet
Peer transfers Not checked yet Not checked yet
Bill payment Not checked yet Not checked yet
QR payments Not checked yet Not checked yet
International transfers Not checked yet —
Specs
Mobile platforms Not checked yet Not checked yet
Our review
Pros
  • Send UPI payments to IDs, mobile numbers or bank accounts instantly, 24x7
  • Pay merchants by QR and view balances, passbook and transaction history
  • Handle bills, recharges, AutoPay mandates and UPI Lite in one app
  • Pays for Grab rides, food and deliveries, plus online and QR purchases
  • Supports PayNow and card top-ups, peer transfers and eligible bank transfers
  • Offers GrabRewards points on eligible spending and PIN or biometric security
Cons
  • Mobile-only service, with no desktop deployment
  • UPI terms allow fees to be introduced or changed
  • An issuer may charge transaction fees
  • Designed around Singapore payment networks and services
  • Transfer options depend on verification, funding source and local rules
  • Available on iOS and Android, with mobile-only deployment
Our verdict

PhonePe is a mobile payments app from PhonePe Limited for people in India who want to handle everyday UPI payments, merchant purchases and routine bills from a phone. Available on iOS and Android, it supports transfers to UPI IDs, mobile…

Read the review →

GrabPay Wallet is a stored-value wallet within the Grab app, aimed at people in Singapore who want to pay for Grab services and make other everyday payments from a mobile balance. It supports rides, food and deliveries, online checkout and…

Read the review →
  1. PhonePeMobile Payment Apps 9.4Free plan
  2. GrabPayMobile Payment Apps 8.6Free plan

Strengths and trade-offs

  • PhonePe — where it wins

    • Send UPI payments to IDs, mobile numbers or bank accounts instantly, 24x7
    • Pay merchants by QR and view balances, passbook and transaction history
    • Handle bills, recharges, AutoPay mandates and UPI Lite in one app

    Where it doesn't

    • Mobile-only service, with no desktop deployment
    • UPI terms allow fees to be introduced or changed
    • An issuer may charge transaction fees

  • GrabPay — where it wins

    • Pays for Grab rides, food and deliveries, plus online and QR purchases
    • Supports PayNow and card top-ups, peer transfers and eligible bank transfers
    • Offers GrabRewards points on eligible spending and PIN or biometric security

    Where it doesn't

    • Designed around Singapore payment networks and services
    • Transfer options depend on verification, funding source and local rules
    • Available on iOS and Android, with mobile-only deployment

More comparisons

All mobile payment apps comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update